There were some items not covered by the pet parent's Embrace Pet Insurance policy - she did not select the Drugs and Dental Extension for example so the take-home antibiotics and Acepromazine were not covered - but the total Embrace payout in this case was $2,322.90.

As you can see, this treatment is not inexpensive. And you just know you've probably already spent $300 on your first visit to the vet and then a follow up visit just to make sure the surgery went well.

And just to rub salt into the wound, once one knee goes, the other is 40% more likely to go as well. That's why most pet insurance companies treat the second cruciate ligament tear as a continuation of the first. Something to consider if your insurance has per incident limits (which Embrace Pet Insurance does not.)

If you are in the mood for some feisty reading, check out Terrier Man on his opinion of cruciate ligament injuries. He doesn't hold back on his view that surgery is not necessary for smaller dogs and for partial tears. I don't feel qualified enough to opine on his perspective. Just something else to consider when facing a cruciate ligament injury.